LINE OF BUSINESS:	Other Liability

	LINE(S) OF INSURANCE	CODES	
		Claims Made	17.1000	
		Occurrence	17.2000	
Code:
	17.0000	CGL	17.0001	
		Completed Operations	17.0002	
		All other sublines please type codes	 	
IF CHECKLIST IS NOT APPLICABLE, PLEASE EXPLAIN:			

			

REVIEW REQUIREMENTS	REFERENCE	DESCRIPTION OF REVIEW
STANDARDS REQUIREMENTS	LOCATION OF STANDARD IN FILING	
GENERAL REQUIREMENTS
FOR ALL FILINGS				
				
COPIES, RETURN ENVELOPES ETC.	Reg. 38a-676-2	Include one copy of the filing for the department and a copy of the cover letter and a stamped self-addressed return envelope for the company		
 				
COVER LETTER AND EXPLANATORY MEMORANDUM	Reg. 38a-676-2	Must Be Included 		
 				
FILING SUBMISSION				
Effective Date Wording	CGS 38a-695			

 				

NAIC #				
				
LINE OF AUTHORITY				
 				
NO FILE OR FILING EXEMPTIONS				
				
SIDE BY SIDE COMPARISON	Reg. 38a-676-2	Must Be Included		
				
THIRD PARTY FILERS AUTHORITY	Reg. 38a-676-2	Cover letter must be on company letterhead and signed by company employee		
GENERAL REQUIREMENTS
FOR ALL FILINGS				

				
FORMSPOLICY
PROVISIONS				
				
ACCESS TO COURTS				
 				
AGGREGATE LIMITS				
 				
AMBIGUOUS & MISLEADING				
 				
APPLICATIONS		Not required to be filed unless part of the policy

APPRAISALS				
 				
ARBITRATION				
 				
ASSESSIBLE POLICIES				
 				
BANKRUPTCY PROVISIONS				
 				
BLANK ENDORSEMENTS				
 				
CANCELLATION & NON-RENEWAL	CGS 38a-324 and CGS 38a-323

Calculation of Unearned/Return Premium				
Conditional Renewal		Per Bulletin  PC 42-04
		
Minimum Retained Premium				
Notice of Cancellation	CGS 38a-323
			
Notice of Non-renewal	CGS 38a-323			
Permissible Reasons for Cancellation	CGS 38a-323			
Permissible Reasons for Non-renewal	CGS 38a-323			
Required Policy Period				
 				
CERTIFICATIONS				
FORMSPOLICY
PROVISIONS				
				
CLAIMS MADE	Connecticut regulations 38a-327-1 through 38a-327-6 
			
Policy Minimum Standards 
	Connecticut regulations 38a-327-3 
			
Limited to Certain Lines
	Connecticut regulations 38a-327-2  
	Claims-made coverage may not be provided in any policy delivered, issued for delivery or renewed in this State by a licensed insurer on or after the effective date of this Regulation, unless the claims-made policy is issued for one of the following lines, sublines, risks or coverages: (1) Directors and Officers Liability; (2) Employee Benefit's Liability; (3) Errors and Omissions Liability; (4) Excess Liability; (5) Fiduciary Liability; (6) Pollution and Environmental Impairment Liability; (7) Products and Completed Operations Liability; (8) Professional Liability; (9) Public Entity Liability; and (10) Commercial general liability coverage for a large business entity generating gross revenues of at least one hundred million dollars ($100,000,000) annually, and where such risk develops an annual commercial general liability manual premium on a mature level on a claims-made basis of at least five hundred thousand dollars ($500,000). (11) Coverage for an individual risk or class of insurance based on a request by the insurer when such insurance is not generally available and is submitted to the Insurance Department and is approved by the Commissioner.
		
Extended Reporting Coverage 
	Connecticut regulations
38a-327-3

Connecticut regulations 38a-327-3(d)(1)
	Each claims-made policy shall provide an automatic extended reporting period of at least thirty (30) days upon termination of coverage.
Additional extended reporting period coverage shall be made available for purchase by the named insured at any time during the policy term and not later than thirty (30) days following termination of coverage, including termination for non-payment of premium. Such additional extended reporting period coverage shall apply only in regard to that coverage terminated, and shall be made available on the same terms and conditions as those specified in the policy.
.
		
Reinstatement of Aggregate Limit
	Connecticut regulations 38a-327-3 (f)
	The policy must provide that additional extended reporting period coverage with an aggregate liability limit at least equal to the aggregate liability limit specified in the policy is available for purchase.
		
Consent to Change Retroactive Date
	Connecticut regulations 38a-327-3 (a)
	Once a retroactive date is established with an insured, it may be advanced only with the written consent of the named insured.
		
Termination  of Coverage
	Connecticut regulations 38a-327-1 (j)
	Definition must be included. Automatic Extended Reporting Periods and Additional Extended Reporting Periods are subject to the definition of “Termination” in § 38a-327-1: “Termination of Coverage” means, whether made by the insurer or the insured at any time: (1) cancellation or nonrenewal of a policy, (2) decrease in limits, reduction of coverage, increased deductible or self-insured retention, new exclusion, or any other change in coverage less favorable to the insured.
		
Prior Acts Coverage
	CGS 38a-394
	Professional Liability policy must contain a provision for the purchase of prior acts coverage. Professional liability insurance means professional liability contracts for: (1) Physicians and surgeons, (2) hospitals, (3) lawyers, (4) dentists, (5) architects and engineers, (6) chiropractors, (7) licensed natureopaths, (8) podiatrists, and (9) advanced practice registered nurses. 												
		
Disclosure and Notice Requirement	Connecticut regulations 38a-327-4	Must be on the first page of the policy in bold-face type at least equal to the size of type used for policy captions. 		
CLEAR  & UNAMBIGUOUS LANGUAGE				
				
CONSUMER INFORMATION				
Privacy notice				
VSI Warning				
Notification Form				

				
CONTENT OF POLICIES				
 				
COUNTERSIGNATURES		Not Required		
 				
DECLARATIONS PAGE				
 				
DEFENSE WITHIN LIMITS		Must be outside limits except for D&O, E&O, & Professional Liability

DISCLOSURES				
 				
DEFINITIONS				
 				
DISCRIMINATION				

DUTY TO DEFEND				
 				
EMPLOYERS LIABILITY				
 				
EXCESS COVERAGE				
 				
EXCLUSIONS & LIMITATIONS				
FORMSPOLICY
PROVISIONS				

FICTITIOUS GROUPS	CGS 38a-827	Prohibited		
FORMS MISCELLANEOUS				
 				
FRAUD WARNING		Not Mandatory		
GROUP POLICIES		Master  Policy and Certificates permitted for risk purchasing groups only		
 				
LIMITS				

 				

Action Against Company				

				
Defense Costs		Must be outside limits except for D&O, E&O, & Professional Liability

				

				
				
OTHER INSURANCE				
 				
PARTICIPATING POLICIES				

 				

				
OTHER INSURANCE				
				
PRIMARY UNDERLYING COVERAGE				
 				
PUNITIVE DAMAGES		May  Be Excluded		

 				

				

Suit	CGS 38a-290	One Year From Time of Loss		

 				

				

 				
 WORKERS’ COMPENSATIONEXCESS 				
Mandatory Wording		This  insurance applies to losses paid by the Insured as a qualified self-insurer under the Workers Compensation Law for bodily injury by accident or bodily injury by disease including resulting death, provided: 1. Injury by accident must occur during the policy period. 2. Injury by disease must be caused or aggravated by exposure during the policy period to conditions of your employment.		
Cancellation	CGS 31-284-10	30 days advance notice must be given to the Chairman of the Workers Compensation Commission.		
				
OTHER				
				
RATE, RULE, RATING PLAN, CLASSIFICATION, AND TERRITORY FILING REQUIREMENTS				
				
"A" RATED RISKS				
Individual Risk Rating				

RATE, RULE, RATING PLAN, CLASSIFICATION, AND TERRITORY FILING REQUIREMENTS				
				
ACTUARIAL CERTIFICATIONS FOR RATES		Not required.

ADOPTIONS OF RATE SERVICE ORGANIZATIONS (RSO) FILINGS		Per Bulletin PC-35.		
Loss Costs				
 				
CONSENT-TO-RATE				

 				
 CATASTROPHE HAZARDS				
 				
 DEFENSE COSTS				
 				
 DISCOUNTS				
 				
EXPIRATION DATE(S) FOR APPROVED RATES		Not Required.

GROUP POLICIES				
Extra-Territorial Approval Authority				
 				
REVIEW REQUIREMENTS				
LOSS RATIO STANDARDS				
 				
MID TERM CHANGES				
 				
LOSS COST MULTIPLIERS				
 				
PREMIUM REFUND OR RETENTION				
 				
PRICING				
RATE, RULE, RATING PLAN, CLASSIFICATION, AND TERRITORY FILING REQUIREMENTS				
				
Minimum Premium Rules				
Multi-tier		Where there are different rates by tiers, the underwriting guidelines must be such that there is a clear differential as to the risk acceptable for each tier.  Each applicant must always be offered the best (lowest priced) tier or rate for which the individual is qualified and the factors used to determine eligibility must be clear and distinct.		
Payment Plans		Filing Not Required
		
 Premiums				
Service Charges	38a-707-1 to 38a-707-9

Surcharges				
 Other Fees	38a-707-1 to 38a-707-9

RATE RANGES				
 				
RATING PLAN REQUIREMENTS				
Expense Modification Plan				
Experience Rating				
Large Deductible				
Retrospective Rating				
Schedule Rating		Maximimum +/- 25%		
Small Deductible				
Wrap-up Rating 		Per NCCI Rule---Refer to CT Exception Page		
 				
RATE/LOSS COST SUPPORTING INFORMATION				
Competition				
Expenses				
Experience				
Judgment				
Credibility and factors trending 				
Profit Loading				
 				
RETURN ON EQUITY DOCUMENT INVESTMENT INCOME	Bulletin PC-35
	Rates may contain a provision for contingencies and a provision for a reasonable profit allowance. In determining the reasonableness of the profit allowance, consideration shall be given to all investment income attributable to unearned premiums and loss reserves.
		
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RISK CLASSIFICATION				
				
RATE, RULE, RATING PLAN, CLASSIFICATION, AND TERRITORY FILING REQUIREMENTS				
				
TERRITORIES				
				
OTHER